American Express Business Banking‡ includes American Express® Business Checking, American Express® Business Savings, and other Amex products to help you stay in control of your cash flow with integrated digital banking designed to make money movement effortless.
You already rely on American Express for your business spending — now you can put the same powerful support to work for your everyday business banking needs. American Express Business Banking provides integrated Business Checking and Business Savings accounts built for the unique needs of small businesses. Learn how they work together to help you manage your money with confidence. Deposit accounts offered by American Express National Bank. Member FDIC.
Your Business Banking, All in One Place
American Express® Business Banking gives small businesses a connected solution for handling their money. Enjoy no monthly fees, earn APY and Membership Rewards® points, with 24/7 support from our specialists for their everyday banking needs —online or in the Amex® App.
Business Banking helps small businesses maximize value with seamless account integration and the support of American Express Membership. With Business Banking you get:
- No minimum balance requirement
- No monthly maintenance fees
- Competitive APYs
- Membership Rewards points on eligible Business Debit Card spend‡
- Manage your Amex® Business Checking, Amex® Business Savings, Business Card products and more all in one place
And you can:
- Access customer support via chat or phone any time
- Connect to payroll, banking tools and payment platforms
- Apply for Business Checking and Business Savings accounts in one application
Learn more about Business Banking
| Business Checking | Business Savings | |
| Purpose | Everyday business banking and payments | Growing business cash reserves |
Monthly maintenance fees |
No monthly maintenance fees | No monthly maintenance fees |
Minimum balance requirement |
No minimum balance | No minimum balance |
| APY rates | Competitive APY | High-yield APY |
| Membership Rewards points | Earned on eligible Business Debit Card purchases | N/A |
| Money movement | Payments, transfers, spending | Transfers, deposits, saving funds |
| Account access | Online and Amex App | Online and Amex App |
| Integration | Payroll, accounting, banking tools, payment platforms |
Accounting software, bank linkages |
Checking that Rewards Your Business
To run effectively, your small business needs a reliable way to manage payroll, buy supplies, and invest in inventory. American Express® Business Checking helps small businesses move money more easily and maintain daily operations while providing 24/7 support.
Business Checking provides added value with:
- No minimum balance and no monthly maintenance fees
- Competitive APY, compounded daily and deposited monthly
- Ability to earn and redeem Membership Rewards® points when you use your Business Debit Card on eligible purchases‡
- Online payments and transfers through the Amex App‡
- Connections to accounting payroll, banking tools and payment platforms
Business Savings – Planning Ahead
Running a successful small business means juggling multiple priorities every day. American Express® Business Savings and American Express® Business Checking can help grow your reserves so you can prepare for the future with confidence.
Business Savings helps turn your reserves into returns with:
- High-yield APY and interest that compounds daily
- No minimum balance and no monthly maintenance fees
Business Checking and Business Savings — Better Together
With Amex Business Checking and Amex Business Savings, your money works harder at every stage. Enjoy no monthly fees, earn a competitive APY and Membership Rewards® points to keep earning and help your business grow. Quickly apply for one account or both in a single application. After approval, manage both accounts online or in the Amex App.
Get Started with Business Banking for Your Small Business
Your small business is unique, and American Express Business Banking is designed to flex with your everyday needs, allowing you to manage and move seamlessly amongst your Business Banking and Card products, plus the rewards and trusted support of American Express.
Learn more about Business Banking
Frequently Asked Questions About Business Banking
Can you open both a Business Checking and Business Savings account? Yes. You can apply for Business Checking, Business Savings, or both in one easy application. Approval is subject to business qualifications.
Is there a minimum balance required? No. Neither American Express® Business Checking and American Express® Business Savings have no minimum balance requirements and no monthly fees.
How does FDIC insurance work for these accounts? Both Business Checking and Business Savings are FDIC-insured accounts offered by American Express National Bank for up to $250,000, backed by the full faith and credit of the U.S. Government.
Can I manage my Business Banking accounts alongside my Amex® Card? Yes. Amex Business Checking and Amex Business Savings are accessible online and through the Amex App, where you can view and manage your banking and Card accounts in one place.
‡Business Checking Benefit Terms
‡Business Savings Benefit Terms
